Sifting through countless of stocks in the Insurance industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Oscar Health, Inc. or Arch Capital Group Ltd. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Oscar Health, Inc. and Arch Capital Group Ltd. compare based on key financial metrics to determine which better meets your investment needs.

About Oscar Health, Inc. and Arch Capital Group Ltd.

Oscar Health, Inc. operates as a healthcare technology company in the United States. The company offers health plans to individuals, families, employees, and small group markets. It also provides +Oscar platform that power others throughout the healthcare system; Campaign Builder platform, an engagement and recommendation platform for providers and payors; and reinsurance products. In addition, the company offers brokerage services and enrollment platform for brokers and consumers to shop, buy, and enroll in medical and supplemental health products. The company was formerly known as Mulberry Health Inc. and changed its name to Oscar Health, Inc. in January 2021. Oscar Health, Inc. was incorporated in 2012 and is headquartered in New York, New York.

Arch Capital Group Ltd., together with its subsidiaries, provides insurance, reinsurance, and mortgage insurance products in the United States, Canada, Bermuda, the United Kingdom, Europe, and Australia. The company operates through three segments: Insurance, Reinsurance, and Mortgage. The Insurance segment offers commercial automobile; commercial multiperil; financial and professional line liability; admitted, excess, and surplus casualty lines; property and short-tail specialty; workers compensation; and casualty insurance. Its Reinsurance segment provides reinsurance products for casualty; marine and aviation; property catastrophe; property excluding property catastrophe; and other specialty products. The Mortgage segment offers U.S. primary mortgage insurance business written predominantly on loans sold to the Federal National Mortgage Association and Federal Home Loan Mortgage Corporation; reinsurance and underwriting services related to the U.S. credit-risk transfer business and other U.S. mortgage reinsurance transactions; and international mortgage insurance and reinsurance business covering loans. It markets its products through a group of licensed independent retail and wholesale brokers. The company was formerly known as Risk Capital Holdings, Inc. Arch Capital Group Ltd. was founded in 1995 and is headquartered in Pembroke, Bermuda.

Latest Insurance and Oscar Health, Inc., Arch Capital Group Ltd. Stock News

As of September 11, 2026, Oscar Health, Inc. had a $10.1 billion market capitalization, compared to the Insurance median of $6.9 million. Oscar Health, Inc.’s stock is NA in 2026, NA in the previous five trading days and up 68.22% in the past year.

Currently, Oscar Health, Inc.’s price-earnings ratio is 17.2. Oscar Health, Inc.’s trailing 12-month revenue is $15.3 billion with a 3.6% net profit margin. Year-over-year quarterly sales growth most recently was 70.4%. Analysts expect adjusted earnings to reach $1.751 per share for the current fiscal year. Oscar Health, Inc. does not currently pay a dividend.

Currently, Arch Capital Group Ltd.’s price-earnings ratio is 7.5. Arch Capital Group Ltd.’s trailing 12-month revenue is $19.2 billion with a 24.4% net profit margin. Year-over-year quarterly sales growth most recently was -10.5%. Analysts expect adjusted earnings to reach $9.375 per share for the current fiscal year. Arch Capital Group Ltd. does not currently pay a dividend.

How We Compare Oscar Health, Inc. and Arch Capital Group Ltd. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Oscar Health, Inc. and Arch Capital Group Ltd.’s stock grades to see how they measure up against one another.

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Oscar Health, Inc. and Arch Capital Group Ltd. Stock Value Grades

Company	Ticker	Value
Oscar Health, Inc.	OSCR	B
Arch Capital Group Ltd.	ACGL	A

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Oscar Health, Inc. has a Value Score of 61, which is Value. Arch Capital Group Ltd. has a Value Score of 94, which is Deep Value.

The Value Stock Winner: Arch Capital Group Ltd.

As you can clearly see from the Value Grade breakdown above, Arch Capital Group Ltd. is considered to have better value than Oscar Health, Inc.. For investors who focus solely on a company’s valuation, Arch Capital Group Ltd. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Oscar Health, Inc. and Arch Capital Group Ltd.’s Momentum Grades

Company	Ticker	Momentum
Oscar Health, Inc.	OSCR	A
Arch Capital Group Ltd.	ACGL	C

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Oscar Health, Inc. has a Momentum Score of 90, which is Very Strong. Arch Capital Group Ltd. has a Momentum Score of 49, which is Average.

The Momentum Grade Winner: Oscar Health, Inc.

As you can clearly see from the Momentum Grade breakdown above, Oscar Health, Inc. is considered to have stronger momentum compared to Arch Capital Group Ltd.. For those specifically looking for companies that have stronger momentum compared to other companies in the same industry, Oscar Health, Inc. could be a good stock to invest in. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Oscar Health, Inc. and Arch Capital Group Ltd.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Oscar Health, Inc.	OSCR	B
Arch Capital Group Ltd.	ACGL	D

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Oscar Health, Inc. has a Earnings Estimate Score of 78, which is Positive. Arch Capital Group Ltd. has a Earnings Estimate Score of 39, which is Negative.

The Earnings Estimate Revisions Grade Winner: Oscar Health, Inc.

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, Oscar Health, Inc. has a better Earnings Estimate Revisions Grade than Arch Capital Group Ltd.. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, Oscar Health, Inc. could be a good stock to invest in. However, it’s important to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Oscar Health, Inc. and Arch Capital Group Ltd. Grades

In addition to Estimate Revisions, Momentum and Value, A+ Investor also provides grades for Growth and Quality.

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Oscar Health, Inc. and Arch Capital Group Ltd. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Oscar Health, Inc. or Arch Capital Group Ltd. Stock?

Overall, Oscar Health, Inc. stock has a Value Score of 61, Momentum Score of 90 and Estimate Revisions Score of 78.

Arch Capital Group Ltd. stock has a Value Score of 94, Momentum Score of 49 and Estimate Revisions Score of 39.

Comparing Oscar Health, Inc. and Arch Capital Group Ltd.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.